Hey author here. All valid points. I see you made a tradeoff there. So you asked how is this still not solved in 2015? Did you mean rhetorically, as in, you use

Hey author here. All valid points. I see you made a tradeoff there. So you asked how is this still not solved in 2015? Did you mean rhetorically, as in, you use your phone for logging in so your problem is solved, or you want to see a skeleton key system built?